The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Expires: July 31, 2015
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABORATORIES Stock 002824100 248,012 2,509 SH DFND 1 2,509 0 0
ABBVIE INC Stock 00287Y109 2,721,314 10,403 SH DFND 1 10,403 0 0
ALBEMARLE CORP Stock 012653101 229,337 2,168 SH SOLE 2,168 0 0
ALIBABA GRP HLDG LTD ADR SPONSORED ADS Stock 01609W102 640,645 5,957 SH SOLE 5,957 0 0
ALPHABET INC VOTING CAP STK CL A Stock 02079K305 3,093,316 8,990 SH DFND 1 8,990 0 0
ALPHABET INC NON VOTING CAP STK CL C Stock 02079K107 3,772,469 11,071 SH DFND 1 11,071 0 0
ALTRIA GROUP INC Stock 02209S103 712,724 10,584 SH SOLE 10,584 0 0
AMAZON COM INC Stock 023135106 249,150 1,000 SH DFND 1 1,000 0 0
AMERICAN EXPRESS COMPANY Stock 025816109 274,601 903 SH SOLE 903 0 0
APPLE INC Stock 037833100 19,183,297 57,604 SH DFND 1 57,604 0 0
APPLIED MATERIALS INC Stock 038222105 835,099 1,633 SH SOLE 1 1,633 0 0
ASTRAZENECA PLC Stock G0593M107 6,044,769 37,436 SH DFND 1 37,436 0 0
AT & T INC Stock 00206R102 738,602 30,271 SH SOLE 30,271 0 0
BANCO SANTANDER CENT HISPANO SPON ADR Stock 05964H105 902,868 65,283 SH DFND 1 65,283 0 0
BANK OF AMERICA CORP Stock 060505104 1,901,609 34,937 SH DFND 1 34,937 0 0
BERKSHIRE HATHAWAY INC CL A Stock 084670108 747,005 1 SH SOLE 1 0 0
BERKSHIRE HATHAWAY INC SERIES B NEW Stock 084670702 2,062,509 4,142 SH SOLE 4,142 0 0
BLACKSTONE GROUP INC COM Stock 09260D107 1,861,792 16,610 SH DFND 1 16,610 0 0
BRITISH AMERN TOB PLC SPON ADR Stock 110448107 3,793,199 69,728 SH DFND 1 69,728 0 0
BROADCOM INC Stock 11135F101 5,599,159 15,943 SH DFND 1 15,943 0 0
CAPITAL GROUP FXD ETF INCOME CORE BD ETF 14020Y508 243,951 9,766 SH SOLE 9,766 0 0
CAPITAL GRP DIVIDEND ETF VALUE CREATION UNIT ETF 14020W106 2,674,501 54,749 SH SOLE 54,749 0 0
CAPITAL GRP INTL ETF FOCUS EQUITY ETF 14019W109 541,262 15,785 SH SOLE 15,785 0 0
CATERPILLAR INC Stock 149123101 2,645,164 3,262 SH DFND 1 3,262 0 0
CHEVRON CORPORATION Stock 166764100 2,838,016 13,898 SH SOLE 13,898 0 0
CHUBB LTD Stock H1467J104 3,759,111 11,558 SH SOLE 11,558 0 0
CISCO SYSTEMS INC Stock 17275R102 8,557,637 79,510 SH SOLE 79,510 0 0
CONSOLIDATED EDISON INC Stock 209115104 528,307 5,169 SH SOLE 5,169 0 0
CSX CORP Stock 126408103 1,905,370 40,967 SH SOLE 40,967 0 0
CUMMINS INC Stock 231021106 2,323,986 4,499 SH SOLE 4,499 0 0
DANAHER CORP Stock 235851102 592,771 2,676 SH DFND 1 2,676 0 0
DOW INC Stock 260557103 1,763,004 64,016 SH SOLE 64,016 0 0
DUKE ENERGY CORP COM NEW Stock 26441C204 1,467,008 12,867 SH SOLE 12,867 0 0
DUPONT DE NEMOURS INC NEW Stock 26614N201 303,400 2,336 SH SOLE 2,336 0 0
EATON CORP PLC Stock G29183103 231,616 539 SH SOLE 539 0 0
EOG RESOURCES INC Stock 26875P101 1,645,446 11,944 SH DFND 1 11,944 0 0
EXPAND ENERGY CORP Stock 165167735 1,837,027 21,846 SH SOLE 21,846 0 0
EXXONMOBIL HLDGS CORP Stock 30233Q108 4,875,186 29,955 SH DFND 1 29,955 0 0
FEDEX CORPORATION Stock 31428X106 289,199 1,014 SH SOLE 1,014 0 0
FIFTH THIRD BANCORP Stock 316773100 1,813,266 35,849 SH SOLE 35,849 0 0
GE AEROSPACE NEW Stock 369604301 206,847 662 SH DFND 1 662 0 0
GENL DYNAMICS CORP Stock 369550108 1,123,790 3,387 SH SOLE 3,387 0 0
GOLDMAN SACHS GROUP INC Stock 38141G104 235,243 261 SH SOLE 261 0 0
HOME DEPOT INC Stock 437076102 744,844 2,618 SH DFND 1 2,618 0 0
HONEYWELL AEROSPACE INC COM Stock 43849R105 669,820 4,322 SH SOLE 4,322 0 0
HONEYWELL INTL INC COM NEW Stock 438516205 767,537 3,639 SH DFND 1 3,639 0 0
INTERNATIONAL BUSINESS MACHINE CORP Stock 459200101 216,457 984 SH DFND 1 984 0 0
ISHARES CORE S&P ETF SMALLCAP ETF 464287804 222,822 1,638 SH SOLE 1,638 0 0
ISHARES CORE S&P 500 ETF S&P 500 INDEX FD ETF 464287200 356,764 466 SH SOLE 466 0 0
ISHARES INC ETF MSCI EMERGING MKTS EX CHINA ETF ETF 46434G764 224,579 2,267 SH SOLE 2,267 0 0
ISHARES NASDAQ ETF BIOTECHNOLOGY ETF 464287556 238,028 1,131 SH SOLE 1,131 0 0
ISHARES TR ETF SHORT TERM CORP BOND ETF 464288646 284,954 5,562 SH SOLE 5,562 0 0
JOHN HANCOCK ETF TR ETF MULTIFACTOR MID CAP ETF ETF 47804J206 398,713 5,576 SH SOLE 5,576 0 0
JOHNSON & JOHNSON Stock 478160104 506,805 1,914 SH SOLE 1,914 0 0
JPMORGAN CHASE & CO Stock 46625H100 4,509,741 13,632 SH DFND 1 13,632 0 0
KLA CORP Stock 482480100 572,164 2,935 SH DFND 1 2,935 0 0
LOCKHEED MARTIN CORP Stock 539830109 1,284,063 2,521 SH SOLE 2,521 0 0
MARATHON PETROLEUM CORP Stock 56585A102 258,061 653 SH SOLE 653 0 0
MERCK & CO INC NEW Stock 58933Y105 1,172,277 8,067 SH SOLE 8,067 0 0
META PLATFORMS INC CLASS A Stock 30303M102 200,861 277 SH DFND 1 277 0 0
MICHELIN (CGDE) UNSP ADR Stock 59410T106 3,542,186 186,529 SH SOLE 186,529 0 0
MICRON TECHNOLOGY INC Stock 595112103 13,639,945 12,806 SH DFND 1 12,806 0 0
MICROSOFT CORP Stock 594918104 1,034,152 2,016 SH DFND 1 2,016 0 0
NVIDIA CORP Stock 67066G104 3,272,946 14,331 SH DFND 1 14,331 0 0
OLD REPUBLIC INTL CORP Stock 680223104 6,408,163 171,755 SH SOLE 171,755 0 0
ORACLE CORPORATION Stock 68389X105 574,433 4,184 SH DFND 1 4,184 0 0
PALANTIR TECHNOLOGIES INC CL A Stock 69608A108 233,812 1,250 SH SOLE 1,250 0 0
PHILIP MORRIS INTERNATIONAL INC Stock 718172109 6,333,673 33,192 SH DFND 1 33,192 0 0
QNITY ELECTRONICS INC Stock 74743L100 406,380 3,232 SH SOLE 3,232 0 0
QUALCOMM INC Stock 747525103 5,927,416 32,207 SH SOLE 32,207 0 0
RTX CORP Stock 75513E101 6,150,209 33,128 SH DFND 1 33,128 0 0
SOUTHERN COMPANY Stock 842587107 371,992 4,488 SH DFND 1 4,488 0 0
STIFEL FIN CORP PFD SER MTY PERTL CALLABLE Preferred 860630862 784,982 49,682 SH SOLE 49,682 0 0
TAIWAN SEMICONDUCTOR MFG CO LTD ADR Stock 874039100 243,553 534 SH DFND 1 534 0 0
TEXAS INSTRUMENTS INC Stock 882508104 213,075 761 SH SOLE 761 0 0
TOTALENERGIES SE Stock F92124100 1,937,544 22,661 SH DFND 1 22,661 0 0
UBS GROUP AG Stock H42097107 2,854,903 59,317 SH SOLE 59,317 0 0
VANGUARD INTL EQUITY ETF INDEX FDS FTSE EMERGING MKTS ETF ETF 922042858 295,065 4,975 SH SOLE 4,975 0 0
VANGUARD MORNINGSTAR ETF GROWTH ETF 922908736 217,744 2,416 SH SOLE 2,416 0 0
VANGUARD MORNINGSTAR ETF VALUE ETF 922908744 424,479 1,964 SH SOLE 1,964 0 0
VANGUARD MUN BD FDS ETF TAX EXEMPT BD INDEX FD ETF 922907746 211,617 4,468 SH SOLE 4,468 0 0
VERIZON COMMUNICATIONS COM Stock 92343V104 1,438,235 31,355 SH SOLE 31,355 0 0
WALMART INC Stock 931142103 289,306 2,784 SH SOLE 2,784 0 0
WALT DISNEY COMPANY Stock 254687106 398,253 3,797 SH SOLE 3,797 0 0